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Joseph H. Downer, Attorney

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Dealing with insurance company calls after a car crash

On Behalf of | Mar 27, 2024 | Motor Vehicle Accidents

After a car accident, you may receive a call from an insurance company representing the at-fault driver. These calls often come before you have recovered from the incident and have had time to prepare a statement.

It is important to be cautious in your conversations with insurance representatives to protect your rights and ensure you receive fair compensation for your injuries and damages.

Understand your rights

You are not required to speak with the insurance company immediately after a car accident. Take the time to gather your thoughts and understand the extent of your injuries before discussing what happened. It is acceptable for you to tell the company that you are not available for an interview yet and that you would like to postpone it.

Be cautious with your answers

If you decide to speak with the insurance company, be careful not to admit fault or volunteer information. Stick to the facts of the accident and avoid any speculations. You do not have to answer every question they ask.

Keep it simple

Provide basic information about the accident, such as the date, time and location, but avoid providing a step-by-step account of the events leading up to the crash. Let the insurance company know that you are still evaluating your injuries and will provide a more detailed statement later if necessary.

Do not sign anything

The insurance company may ask you to sign a medical release or other documents. Be cautious and consult with someone who understands the forms before signing anything. Signing documents without fully understanding them could harm your case.

Document everything

Keep records of all communications with the insurance company, including the date, time and content of phone calls and any written correspondence. This documentation can be valuable if there are disputes later on.

Dealing with the insurance company after a car accident can be intimidating. By handling these calls carefully, you can avoid accidentally saying something that the company may use against you later.